This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 591 complaints

Optimum Outcomes, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade F.

Complaints by issue type

What consumers report about Optimum Outcomes, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record optimum-outcomes-inc Optimum Outcomes, Inc.

Grade F · 591 CFPB filings · 88% timely · lead issue: Attempts to collect debt not owed · vol #239 · compose #418

  • VOL 591
  • GRADE F
  • 12MO 5
  • STATES 34
  • TIMELY 88%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #239
  • COMPOSE #418

Volume peers

Nearest volume peer: Fiserv Finxact Core (593 complaints)

Opportunity Financial, LLCOpportunity Financial, LLC588Optimum Outcomes, Inc. (this)Optimum Outcomes, Inc. (this)591Fiserv Finxact CoreFiserv Finxact Core593Ray Klein, Inc.Ray Klein, Inc.593Mercantile Adjustment Bureau, LLCMercantile Adjustment Bureau…594
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Optimum Outcomes, Inc.'s 591 CFPB complaints sit next to Fiserv Finxact Core on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 591 complaints break down

Every complaint issue type on record for Optimum Outcomes, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.8/100
Optimum Outcomes, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
591
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
88%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

38.4% of Optimum Outcomes, Inc.'s CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
North Carolina 38.4%
227 of 591 filings · 34 states touched
Seasonal peak
2026-02 11.1%
8–15% band · 6 filings
Corpus ranks
#239 volume
#418 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Optimum Outcomes, Inc. compare to its peers?

How does Optimum Outcomes, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Optimum Outcomes, Inc. National average
Complaints (last 12 mo)lower is better
5
93
268
Timely-response ratehigher is better
88%
98%
91%
Consumer-dispute ratelower is better
22%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Optimum Outcomes, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Optimum Outcomes, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Optimum Outcomes, Inc.Ray Klein, Inc.Opportunity Financial, LLCMERCANTILE ADJUSTMENT BUREAU, LLCAsset Management Outsourcing, Inc.Crown Asset Management, LLC, Duluth, GA BranchONEMAIN FINANCIAL HOLDINGS, LLC.USCB, Inc.KBR INC DBA RASH CURTIS & ASSOCIATES
Source: CFPB Consumer Complaint Database

Optimum Outcomes, Inc.'s complaint volume in context

Optimum Outcomes, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

591 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Optimum Outcomes, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-09 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
150
Cont'd attempts collect debt not owed
140
Written notification about debt
94
Disclosure verification of debt
82
Communication tactics
70
False statements or representation
23
Improper contact or sharing of info
14
Took or threatened to take negative or legal action
10
Threatened to contact someone or share information improperly
5
Taking/threatening an illegal action
3

Where do complaints against Optimum Outcomes, Inc. come from?

Optimum Outcomes, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Optimum Outcomes, Inc.

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Optimum Outcomes, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 591.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 88.07495741056218%.

4 peers

Know your rights before responding to Optimum Outcomes, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.